Net Worth Update - October 2025 🌏

Article published on 3 November 2025

Net Worth Update — October 2025

October brought two restorative weeks in Asia. The trip wasn’t flawless though: my original outbound flight was cancelled and I was rebooked on a direct service, while my checked bags arrived three days late. Back home I learned that none of this was covered by my travel insurance — a useful (and slightly painful) lesson for future policies.

Compare with last month: September 2025 Net Worth.

Total assets CHF 78’407.59

vs September (CHF 77’017.71)+ CHF 1’389.88

Values shown in native currencies (CHF, EUR, USD), converted to CHF at month-end.

Total liabilities CHF 85’450.62

vs September (CHF 87’735.05)− CHF 2’284.43

Main items: bank loan (CHF), credit cards, car leasing, small EUR loan.

Net worthCHF −7’043.03

Change vs September (CHF −10’717.34)+ CHF 3’674.31

Even with travel expenses, October moved in the right direction: assets ticked up and I paid down debt. I’m still below zero overall, but the gap narrowed by CHF 3’674.31.

Asset allocation (high level)

Life insurance ~57.9%

Crowdfunding ~20.6%

Managed funds ~10.7%

ETFs ~5.2%

Crypto ~2.0%

Individual stocks ~2.0%

Misc. ~1.2%

Roboadvisor ~0.4%

Positions snapshot (native currencies)

Bucket	Amount	Note
Life insurance	€ 45’602.48	Long-term contracts
Crowdfunding	CHF 16’210.97	Ongoing repayments
Managed funds	CHF 8’400.00	Swiss-based
ETFs	€ 4’130.32	Broad market exposure
Crypto	$ 1’569.96	Small, experimental
Stocks	$ 1’584.90	Individual holdings
Misc.	€ 908.96	Other small assets
Roboinvest	CHF 350.45	Micro position

What helped in October

Debt reduction: extra repayments lowered total liabilities by CHF 2’284.43.
Market tailwinds: ETFs and funds held up, offsetting part of the travel spend.
Consistency: kept small contributions while travelling.

What hurt (and what I learned)

Travel insurance gaps: cancelled flight & delayed luggage not covered. I’ll verify trip interruption and baggage delay before the next trip.
FX effect: CHF conversion adds noise when EUR/USD move.

Plan for November

Keep the debt-first approach with one extra payment.
Hold ETF contributions; rebuild cash buffer.
Upgrade travel insurance cover.

This post shares my personal journey and is not financial advice. Numbers are rounded to two decimals.